Compared with New Jersey
7 of 14
compared fees are above the median.
3 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
87th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Jersey median
of 14 compared; 3 below, 4 about the same
See the feesFee schedule read Feb 17, 2026
Call-report figures are for Community Financial Services Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the New Jersey median | Published fees above the New Jersey median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Community Financial Services Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Feb 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 15% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (87th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $56K in Q2 2026, 1.8% above the same quarter a year earlier ($55K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 14 compared published fees sit above the New Jersey median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New Jersey medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 15% from Q3 2025 to Q2 2026, to $56K. Its share of revenue, 15%, is above the 7.2% median for credit unions with under $300M in assets.
$56K
Community Financial Services Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Community Financial Services Federal Credit Union · $31M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Community Financial Services Federal Credit Union(this institution) | Roselle, NJ | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alcon Employees Federal Credit Union | Fort Worth, TX | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bakersfield City Employees Federal Credit Union | Bakersfield, CA | $30M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cincinnati Interagency Federal Credit Union | Cincinnati, OH | $31M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cusa Federal Credit Union | Covington, LA | $31M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| De Soto Mo Pac Federal Credit Union | De Soto, MO | $31M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Elca Federal Credit Union | Chicago, IL | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ferko Md Federal Credit Union | Frederick, MD | $30M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Financial Health Federal Credit Union | Indianapolis, IN | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Area Federal Credit Union | Lewistown, PA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gates Chili Federal Credit Union | Rochester, NY | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gateway Federal Credit Union | Springfield, OR | $31M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Huntington C & O Railway Employees Federal Credit Union | Huntington, WV | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Iowa Heartland Federal Credit Union | Mason City, IA | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| K.U.M.C. Federal Credit Union | Shawnee, KS | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Kenowa Community Federal Credit Union | Wyoming, MI | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Leominster Employees Federal Credit Union | Leominster, MA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Meridian Mississippi Ang Federal Credit Union | Meridian, MS | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Neighborhood Community Federal Credit Union | Omaha, NE | $31M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pinpoint Federal Credit Union | Milton, PA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Postal Family Federal Credit Union | Fargo, ND | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sun Pacific Federal Credit Union | Richmond, CA | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tennessee Employees Federal Credit Union | Nashville, TN | $31M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas Community Federal Credit Union | Kingsville, TX | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Energy Federal Credit Union | Humble, TX | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Walton County Teachers Federal Credit Union | Defuniak Springs, FL | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $5 among 10 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 18, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 18, 2026. Total assets from FDIC and NCUA records.
Call reports for Community Financial Services Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $56K | +$2K | +3.7% |
| Q1 2026 | $54K | −$2K | −3.6% |
| Q4 2025 | $56K | −$10K | −15.2% |
| Q3 2025 | $66K | +$11K | +20.0% |
| Q2 2025 | $55K | −$10K | −15.4% |
| Q1 2025 | $65K | −$3K | −4.4% |
| Q4 2024 | $68K | −$1K | −1.4% |
| Q3 2024 | $69K | +$2K | +3.0% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Community Financial Services Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Community Financial Services Federal Credit Union by share.
Amounts from Community Financial Services Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
per month
per hour · Account reconcilements taking more than 15 minutes | $10.00 per hour
per month
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account monthly maintenance fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat account fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Inactive account (inactive over 1 year, less than balance) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account reconcilements taking more than 15 minutes | $10Not compared: Charged per hour; comparison unavailable | per hour | Account reconcilements taking more than 15 minutes | $10.00 per hour |
| Bad Address (Returned mail by the post office-1st return free) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft – Paid | $33Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF - Returned dishonored share draft/check | $33Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF – ATM / Debit insufficient fund fee | $33Above the U.S. middle 50% ($25 to $32 nationally) | per transaction | None |
ATM & Card | |||
| ATM replacement card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wires, outgoing: Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wires, incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Certified checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Teller checks (Payable to Third Party) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop payment of share draft/check | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of share draft/check | $6Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| NSF - Returned deposit items | $33Above the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Copy of loan documents or statements | $1Not compared: Charged per page; comparison unavailable | per page | Copy of loan documents or statements | $ 1.00 per page |
| Photocopies | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
Feb 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Community Financial Services Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Roselle, NJ | 1 |
Largest competitors nearby
Local market: Union county, NJ, around its headquarters.
| 47 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 22.6% |
| Bank of America, National Association | 14.1% |
| TD Bank, National Association | 10.6% |
| JPMorgan Chase Bank, National Association | 7.5% |
| Union County Savings Bank | 5.4% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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